| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | ENDEAVOR INSURANCE INSURANCE PO BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $8K | — | $8K | 2.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $3K | — | $3K | 1.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVE 4TH FLOOR ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 6.95% |
| FNA INS SERVICES INC3 | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.97% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 1140 6TH AVE 8TH FLOOR NEW YORK, NY 10036 | ARMADACARE | $113 | — | $113 | 0.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | C/O PLAN BENEFIT SVCS INC IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 12.12% |
| ANGELA F CLARK3 | PO BOX 727 BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $928 | $3K | 12.04% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $378 | $1K | 6.38% |
| THE CLARK GROUP OF SC3 | 898 ROPER RD LAURENS, SC 29360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $697 | $1K | 5.05% |
| PATRICIA L CARON3 | 7 AVENIDA VISTA GRANDE SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | — | $571 | 2.47% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $166 | $374 | 1.62% |
| AMANDA K BERRY3 | 633 HOLLAND AVE CAYCE, SC 29033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $122 | $323 | 1.40% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.74% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $4 | $86 | 0.37% |
| DAVID MCLEOD3 | 4201 CRESTVIEW DR SE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $6 | $43 | 0.19% |
| DAVID MASON DOKELL3 | 159 BEACON DR UNIT A MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.10% |
| CALDWELL TRUST COMPANY3 | 303 S LAKE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $992 | — | $992 | 5.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $821 | — | $821 | 4.53% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $286 | $2K | 9.59% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWBURY AVE SUITE 200 TINTON FALLS, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $572 | — | $572 | 3.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $339 | — | $339 | 1.94% |
| HOWARD J. METZGER3 Filed as: HOWARD J METZGER | 179 E MIDDLE PATENT RD BEDFORD, NY 10506 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $206 | — | $206 | 1.18% |
| FOREST HILLS FINANCIAL GROUP3 | 118-35 QUEENS BLVD STE 1230 FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.12% |
| NEW YORK RHB, LLC3 Filed as: NEW YORK RHB LLC | 437 MADISON AVE 29TH FLOOR NEW YORK, NY 10022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVENUES S 4TH FL ISELIN, NJ 08830 | VISION SERVICE PLAN | $531 | — | $531 | 7.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $109 | — | $109 | 1.59% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $532 | — | $532 | 9.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $299 | — | $299 | 5.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $311 | — | $311 | 5.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 375 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $217 | — | $217 | 4.11% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $316 | — | $316 | 6.96% |
| FNA INS SERVICES INC3 | 300 CONNELL DR SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $180 | $180 | 3.96% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148 | — | $148 | 8.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $101 | — | $101 | 6.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 2131 MINISTRY DR IRMO, SC 29063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $93 | — | $93 | 5.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71 | — | $71 | 4.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $3 | — | $3 | 0.53% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 51 | $264K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 60 | $81K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 73 | $11K |
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $21K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 65 | $23K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 65 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 51 | $264K |
| Other(6 contracts, 4 carriers) | ARMADACARE | 83 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.